Lumaktaw sa pangunahing content

How Risky Are You? High Risk Industries That Need Insurance Cover

Let’s face it, not all industries are equal when it comes to the risks they face and this can impact on the type of insurance cover you need. After all, higher risks mean that you often have more complex insurance needs. As Perth insurance brokers, we know a lot about the various risks that different industries face and we’re here to share some of the riskiest jobs in Australia.

Agriculture, forestry and fishing

Agriculture, forestry and fishing is one of the highest risk industries to be employed in and it has the highest number of fatalities of any other industry. The main reason that this industry has such high rates of worker fatalities, serious injury and poor health is the constant exposure to agricultural machinery and pesticides. As a physically demanding job, the risk of injury is increased when workers are exposed to difficult terrain, inclement weather and remote locations.

Transport, postal and warehousing

Coming in as a close second as Australia’s riskiest industry is the transport, postal and warehousing industry. There are a number of issues which contribute to this industry being risky including traffic related accidents, injuries from loading and unloading heavy loads, falls from trucks, exposure to heavy vehicles and equipment, and the physical nature of warehousing type jobs.

Construction

It probably comes as no surprise that construction ranks as one of Australia’s riskiest industries. If you work in this area, you’re exposed to working from heights, various uncompleted work sites, power tools, heavy equipment and other risk factors. However, it should be noted that there are fewer injuries and fatalities in this industry compared to the transport industry despite there being double the amount of workers in construction.

Manufacturing

If you work in the manufacturing industry, you’re in one of the highest risk industries. There are a number of factors contributing that this including the requirement to often work with heavy machinery and equipment, incidents of slipping or falling, lifting and carrying heavy objects, and general body stress.

Electricity, gas and water services

Working in the electricity, gas and water services industry means that you’re exposed to a number of risks, largely due to the physical nature of your work, exposure to electrical sources, and the difficult locations and conditions where you’re required to carry out work.

If you work in one of these higher risk industries, speak to your insurance broker to ensure you have the right cover in place to protect yourself financially from the risks you face on a daily basis.

If you need some guidance from insurance brokers in Perth, GSK Insurance Brokers have the necessary industry experience to develop insurance solutions for you and your business. We have a loyal customer base stretching across Australia thanks to our commitment to identifying your specific areas of risk and seeking out the most appropriate cover – let us take a look at your insurance today!

For a professional insurance brokers Perth, speak with the team at GSK Insurance Brokers today on (08) 9478 1933.

The post How Risky Are You? High Risk Industries That Need Insurance Cover appeared first on GSK Insurance.




Read full article here:How Risky Are You? High Risk Industries That Need Insurance Cover
via https://www.gskinsurance.com.au/

Mga Komento

Mag-post ng isang Komento

Mga sikat na post sa blog na ito

Professional Indemnity Insurance for Real Estate Agents: Why Do You Need It?

Being a real estate agent means you have an exciting and dynamic job – you can be your own boss, earn a great income and have a flexible work schedule. However, there are certain unique risks that you face which can leave you vulnerable. To give you peace of mind, you should ensure that you have professional indemnity insurance in place to protect yourself financially against claims from third parties. What is professional indemnity insurance? Professional indemnity insurance is designed to protect you if a third party suffers a loss as a result of your professional actions. This could be due to an act, error, omission or breach of professional duty. For most professionals providing a service, including real estate agents, you should have indemnity insurance in place to protect against the financial impact of claims. Not only can indemnity insurance cover part of the costs relating to successful claims, it also provides the means to pay for legal bills involved with the claims proce...
Mag-post ng isang Komento
Magbasa nang higit pa

Who Needs Professional Indemnity Insurance? – Not Me, Right?

Professional indemnity insurance is one of those things that a lot of professionals assume doesn’t apply to them. After all, you’re not a doctor or a lawyer – why would you need it? The truth is that many professionals should have indemnity cover in place to protect them if something goes wrong. Today, we’ll be looking a little closer at professional indemnity insurance and who needs this cover in place. What is professional indemnity insurance? If you provide professional services or advice as part of your job, chances are that you’re going to need professional indemnity insurance. Indemnity cover will protect against the cost of damages or legal bills following a legal claim from a third party if they suffer damage or loss as a result your professional actions. This loss or damage could be the result of an act, error, omission or breach of professional duty. Without indemnity insurance in place, you wouldn’t have any financial protection if a third party decides to take legal acti...
Mag-post ng isang Komento
Magbasa nang higit pa

Adding Up the Cost – What Factors Affect Your Landlord Insurance Premiums

There’s no question that you need landlords insurance if you have a rental property – you face a unique set of risks when you have a tenanted property and insurance provides you with financial peace of mind. But how much will your insurance policy cost? There are a number of factors which can impact on your landlord insurance premiums – let’s take a closer look so you know what to expect. Factors the impact cost When it comes to your premiums for your landlords insurance , your insurer will take into account a number of factors, including: Crime rate – Your insurer will consider the crime rate in the area where your rental property is located so you need to consider this when purchasing a property for rental. In areas at high risk of burglary and related crime, your premiums may be higher. Natural disaster risk – If you’re house is located in an area which is susceptible to natural disasters, this may impact on your premiums. For example, if your home is located in an area whic...
Mag-post ng isang Komento
Magbasa nang higit pa